84 banks and credit unions have branches in Washington. The Bank Fee Index holds published fees for 61 of them.
The count includes institutions based elsewhere that have a branch here.
Largest gap from Washington DC
Washington counts institutions with a branch here, wherever headquartered. Washington DC counts institutions headquartered in the state.
Washington
24 institutions with a branch here
$3.25
Washington DC
11 institutions headquartered in Washington DC
$2
U.S.
1,230 institutions in the index
$3
Chosen as the fee whose Washington median sits furthest from Washington DC's in percentage terms, among fees at least 5 local institutions publish.
Pick a fee to compare Washington with Washington DC and the U.S. Each amount below links to the fee schedule it was read from, and an empty cell says why.
Published amounts here run from $0 to $45.
Median published overdraft fee
Washington
45 institutions with a branch here
$32
Washington DC
12 institutions headquartered in Washington DC
$34
U.S.
2,600 institutions in the index
$30
Washington covers every institution with a branch here, wherever it is headquartered. Washington DC covers institutions headquartered in the state. U.S. covers every institution in the Bank Fee Index.
84 institutions, 45 with a published overdraft fee.
Bank · based in Sioux Falls, SD · 23 branches here
Account not yet known
“Our overdraft fee for Consumer checking accounts is $35 per item (whether the overdraft is by check, ATM withdrawal, debit card transaction, or other electronic means), and we char”
Bank · based in Columbus, OH · 23 branches here
Account not yet known
“+$34 OVERDRAFT FEE)”
Bank · based in Charlotte, NC · 22 branches here
Account not yet known
“Overdraft Items | Overdraft Item Fee | $10.00 each item”
Bank · based in Wilmington, DE · 19 branches here
Account not yet known
“Overdraft Item Fee … $36.00 per item”
Bank · based in Charlotte, NC · 18 branches here
Account not yet known
“• Truist will charge you an Overdraft Fee, if applicable, of $36 each time we pay an overdraft on your behalf.”
Bank · based in Sioux Falls, SD · 15 branches here
Bank · based in Buffalo, NY · 8 branches here
Account not yet known
“Overdraft Fee | $15.00 for each overdraft item we pay, unless one of the following exceptions apply:”
Bank · based in Fairfax, VA · 7 branches here
Account not yet known
“Overdrafts Overdrafts fee (per item) … $36”
Bank · based in Wilmington, DE · 7 branches here
Account not yet known
“$35 fee per overdraft”
Bank · based in McLean, VA · 5 branches here
Account not yet known
“No-Fee Overdraft | Free”
Largest banks by local bank deposits
Share of the $55.9 billion in bank deposits at branches here, FDIC Summary of Deposits 2026. Credit unions report no deposits by branch.
County context: District of Columbia
Deposits and branches cover the City of Washington. Population and income cover District of Columbia, the county with most of Washington's bank branches, not the city alone. This is background. None of it sets or explains a fee.
Bank deposits
Change at branches here, 2021 to 2026
Bank branches
Change in branch count, 2016 to 2026
Population
Change between the 2022 and 2024 Census estimates
Median household income
Census estimate, 2024
Deposits and branches: FDIC Summary of Deposits, 2026 and earlier years. Population and income: Census American Community Survey 5-year estimates for District of Columbia.
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